Health IQ

Health IQ is a technology-driven insurance company that specializes in providing life, health, and Medicare insurance to health-conscious individuals. The company utilizes a proprietary data science platform to assess the 'Health IQ' of applicants—a metric derived from health knowledge, physical activity levels, and dietary habits. By identifying individuals with lower-than-average mortality and morbidity risks, such as long-distance runners and vegetarians, Health IQ is able to secure lower insurance premiums from its carrier partners. The company's approach integrates data from wearable devices and fitness apps to provide a more personalized and accurate risk assessment than traditional actuarial methods. Their business model focuses on rewarding preventative health behaviors with financial incentives in the form of reduced insurance costs.